Privacy Policy

Paul Blanchard, Senior Loan Officer with Harbour Mortgage Group LLC (“we,” “us,” or “our”), respects your privacy and recognizes the importance of protecting personal information.

This Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit www.paulbmortgage.com, submit an inquiry, or communicate with us about mortgage financing.

Our website provides information and mortgage consultation opportunities for homebuyers, homeowners, and real estate investors in Connecticut and Florida.

We may collect personal information that you voluntarily provide through our website, including:

• First and last name
• Email address
• Telephone number
• State or location of the property
• Type of mortgage or financing requested
• Information you include in messages or inquiries
• Other information voluntarily provided during subsequent communications

If you choose to proceed with a mortgage application, additional financial and personal information may be collected through separate loan application systems or other approved channels, including income, employment, assets, liabilities, credit information, and other information necessary to evaluate financing options.

We encourage visitors not to submit Social Security numbers, bank account numbers, or other highly sensitive financial information through general website contact forms.

Information collected through this website may be used to:

• Respond to mortgage inquiries
• Contact you regarding financing options you requested
• Discuss mortgage loan programs and eligibility
• Assist with mortgage prequalification or application procedures
• Communicate with participating mortgage lenders and service providers when appropriate
• Maintain customer and prospective customer records
• Improve website functionality and visitor experience
• Comply with applicable laws and regulatory requirements
• Protect against fraud, unauthorized activity, or misuse of our website

We may also send mortgage-related educational or marketing communications where permitted by applicable law. Recipients may request to stop receiving marketing communications.

Our website uses third-party technology providers to process and manage mortgage inquiries.

Information submitted through certain contact forms may be transmitted to SHaPe CRM, a customer relationship management platform used to organize inquiries and facilitate communications.

Other website inquiries may be processed through separate website or messaging service providers.

These providers may process personal information to support website operation, lead management, communication, and related business functions.

Information collected as part of an actual mortgage application may be handled through additional approved loan origination or lending systems and subject to separate privacy notices.

Depending on the nature of your inquiry or financing request, personal information may be disclosed to:

• Harbour Mortgage Group LLC personnel and authorized representatives
• Mortgage lenders and lending partners involved in evaluating requested financing
• Loan origination and customer relationship management service providers
• Website hosting, technology, and communication providers
• Other mortgage transaction participants when necessary and appropriately authorized
• Government agencies, regulators, law enforcement, or other parties when legally required or permitted

We use and disclose information for business purposes and as permitted by applicable law.

Certain information-sharing activities may be subject to the Gramm-Leach-Bliley Act, Regulation P, and other applicable financial privacy requirements. Where applicable, additional privacy notices or consumer choices will be provided.

This website policy does not itself authorize information sharing that otherwise requires a separate notice, permission, or opportunity to opt out.

Our website may use cookies, analytics tools, and similar technologies to support basic functionality, understand website usage, maintain security, and improve the visitor experience.

These technologies may collect information such as:

• IP address
• Browser and device characteristics
• Pages visited
• Referring website or traffic source
• General geographic information
• Website interactions and visit duration

Analytics or advertising technologies will be described and configured according to their actual use on the website.

Where required by applicable law, visitors will receive applicable choices concerning optional cookies or tracking technologies.

You may also manage certain cookies through your browser settings.

When you submit a mortgage inquiry, we may respond using the contact information you provide, subject to applicable law and your consent preferences.

Communications may include telephone calls, emails, or text messages relating to your inquiry.

Submitting an inquiry does not obligate you to apply for a mortgage or accept any financial product.

Where required, separate consent will be obtained for automated or marketing communications.

You may request that marketing emails stop by using an available unsubscribe method or contacting us directly.

You may also request that text messages stop by replying STOP, where supported by the messaging system, or contacting us using the information below.

Stopping marketing communications does not necessarily prevent communications needed to administer an existing transaction or respond to a separate request.

Protecting borrower and prospective borrower information is important to our business.

We seek to use administrative, technical, and organizational safeguards appropriate to the nature of the information and applicable legal requirements.

Information may be processed through third-party systems that maintain their own security practices and controls.

No website, electronic transmission, or information system can be guaranteed to be completely secure.

If you need to provide sensitive financial or identification information, please request instructions for submitting it through an appropriate loan application or secure document-sharing process.

Personal information may be retained for as long as reasonably necessary to manage inquiries, provide requested services, maintain business records, satisfy applicable mortgage lending recordkeeping obligations, resolve disputes, or meet other legal requirements.

Retention periods depend on the type of information, the systems involved, and applicable regulatory requirements.

Information will be handled and disposed of in accordance with applicable requirements and operational practices.

Depending on your state of residence, the information involved, and applicable law, you may have rights concerning access to, correction of, deletion of, or certain uses of your personal information.

Some information may be exempt from particular privacy rights because it is governed by federal financial privacy requirements, lending recordkeeping obligations, or other applicable laws.

To submit a privacy-related inquiry or request, contact us using the information provided below.

We may need to verify your identity before processing certain requests, and some information may need to be retained when required or permitted by law.

We provide mortgage-related services in Connecticut and Florida.

Connecticut residents may have rights under applicable Connecticut privacy laws, subject to statutory applicability requirements and exemptions, including those concerning certain financial information.

Florida residents may have protections under applicable Florida personal-information security and privacy laws.

We will evaluate applicable privacy requests and information-security obligations according to the laws governing the information and our business activities.

Our website may contain links to external websites, including mortgage industry resources, lender websites, social media platforms, and NMLS Consumer Access.

We do not control the privacy practices or content of independently operated third-party websites.

Visitors should review the privacy policies of those websites before submitting personal information.

This website is intended for individuals seeking mortgage information and is not directed toward children under the age of 13.

We do not knowingly solicit personal information from children under 13 through this website.

If you believe a child has provided personal information through the site, please contact us.

This Privacy Policy may be updated periodically to reflect changes in website operations, technology, business practices, or legal requirements.

When updated, the effective date shown at the top of this page will be revised.

Material changes will be communicated when required by applicable law.

Paul Blanchard
Senior Loan Officer
Harbour Mortgage Group LLC

534 Boston Post Road
Guilford, CT 06437

Phone: (203) 204-4023
Email: pblanchard@hmglends.com
Website: www.paulbmortgage.com

Harbour Mortgage Group LLC — NMLS #879493

Individual licensing information is available elsewhere on this website and through NMLS Consumer Access.